Abstract: A system and method for communicating information over an insecure communications network include one or more computing devices that may access a first server via the communication network. In operation the first server displays an authentication Web page having a virtual pad with a plurality of characters that may be selected directly from a display of the computing device.

Abstract: A computer readable universal authorization card system including a card having a computer readable non-volatile memory portion for conducting communications over a global network and a magnetic stripe for interfacing with card readers is disclosed. Here, the magnetic stripe has a stripe length and a stripe width, the card has a card length and a card width, and, in one embodiment, the stripe length is shorter than the card length.

Abstract: A system and method for communicating information over an insecure communications network include one or more computing devices that may access a first server via the communication network. In operation the first server displays an authentication Web page having a virtual pad with a plurality of characters that may be selected directly from a display of the computing device.

Abstract: A system and method for communicating information over an insecure communications network include one or more computing devices that may access a first server via the communication network. In operation the first server displays an authentication Web page having a virtual pad with a plurality of characters that may be selected directly from a display of the computing device.

Abstract: A computer readable universal authorization card system including a card having a computer readable portion for conducting communications over a global network and a magnetic stripe for interfacing with card readers is disclosed. Here, the magnetic stripe has a stripe length and a stripe width, the card has a card length and a card width, and the stripe length is shorter than the card length.

Abstract: A system and method for authenticating a payment transaction. The system includes a transaction association source for providing an association code corresponding to a payment transaction, a transaction terminal in communication with the transaction association source for initiating the payment transaction by requesting and receiving the association code from the transaction association source, and a mobile terminal in communication with the transaction association source for transmitting the association code to the transaction association source. The mobile terminal is configured to receive data of the payment transaction from the transaction association source. The mobile terminal is configured to transmit a response message to the transaction association source to confirm or cancel the payment transaction, and the transaction association source is configured to transmit an approve or cancel message to the transaction terminal in response to receiving the response message.

Abstract: A computer readable universal authorization card system including a card having a computer readable non-volatile memory portion for conducting communications over a global network and a magnetic stripe for interfacing with card readers is disclosed. Here, the magnetic stripe has a stripe length and a stripe width, the card has a card length and a card width, and, in one embodiment, the stripe length is shorter than the card length.

Abstract: A system and method for communicating information over an insecure communications network include one or more computing devices that may access a first server via the communication network. In operation the first server displays an authentication Web page having a virtual pad with a plurality of characters that may be selected directly from a display of the computing device.

Abstract: A computer readable universal authorization card system including a computer readable portion for conducting communications over a global network and a magnetic stripe for interfacing with debit card readers is disclosed. The system further includes an adapter having an impression for retaining the card for interfacing the card with a media reader.

Abstract: A computer readable universal authorization card system including a card having a computer readable portion for conducting communications over a global network and a magnetic stripe for interfacing with card readers is disclosed. Here, the magnetic stripe has a stripe length and a stripe width, the card has a card length and a card width, and the stripe length is shorter than the card length.

Abstract: A system and method for communicating information over an insecure communications network include one or more computing devices that may access a first server via the communication network. In operation the first server displays an authentication Web page having a virtual pad with a plurality of characters that may be selected directly from a display of the computing device.

Abstract: A universal card including encrypted cardholder data and a preferably self executing program, wherein the program loads onto a cardholder's computer and enables the cardholder data to be remotely accessed.

Abstract: A universal card including encrypted cardholder data and a preferably self executing program, wherein the program loads onto a cardholder's computer and enables the cardholder data to be remotely accessed.

Abstract: A computer readable universal authorization card system including a computer readable portion for conducting communications over a global network and a magnetic stripe for interfacing with debit card readers is disclosed. The system further includes an adapter having an impression for retaining the card for interfacing the card with a media reader.